Gowanda Area Federal Credit Union

Headquarters: Gowanda, New York
Charter: Credit Union
Assets: $33.5M
Fed district: New York
Regulator: NCUA

Explore Hamilton View published fees

Compared with New York

2 of 12

compared fees are above the median.

6 below, 4 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
29th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 12 compared; 6 below, 4 about the same
See the fees
Fee schedule read Oct 17, 2026

How these figures are measured

Call-report figures are for Gowanda Area Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out.	NCUA 5300 call report Account 131 / (Account 115 + Account 117)	Q2 2026 Year to date	Not recorded
Fees above the New York median	Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Gowanda Area Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Gowanda Area Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was 4.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (29th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $16K in Q2 2026, 6.7% above the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 12 compared published fees sit above the New York median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with New York medians for fees published by banks and credit unions.

Debit Card Replacement
Gowanda Area Federal Credit Union: $15
Gowanda Area Federal Credit Union: $15
New York median: $10141 publishNew York district median: $10205 publishU.S. median: $102,745 publish
NSF / Returned Item
Gowanda Area Federal Credit Union: $30
Gowanda Area Federal Credit Union: $30
New York median: $30140 publishNew York district median: $30194 publishU.S. median: $302,857 publish
Stop Payment
Gowanda Area Federal Credit Union: $30
Gowanda Area Federal Credit Union: $30
New York median: $25171 publishNew York district median: $25250 publishU.S. median: $27.503,348 publish

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income was about level from Q3 2025 to Q2 2026, at $16K. Its share of revenue, 4.3%, is below the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$16K

$16KQ3 2025

$15KQ4 2025

$15KQ1 2026

$16KQ2 2026

Against the median

Share of revenue4.3% / 7.2%

Gowanda Area Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Gowanda Area Federal Credit Union · $34M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$33M to $34M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Gowanda Area Federal Credit Union(this institution)	Gowanda, NY	$34M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Academic Federal Credit Union	Briarcliff Manor, NY	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Allwealth Federal Credit Union	Hamilton, OH	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Canals & Trails Federal Credit Union	Lockport, IL	$34M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Carey Poverello Federal Credit Union	Carey, OH	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central Soya Federal Credit Union	Decatur, IN	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Christiansted Federal Credit Union	Christiansted, VI	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Common Cents Federal Credit Union	Beaumont, TX	$34M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
ECU Federal Credit Union	Seminole, FL	$34M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
El Monte Community Federal Credit Union	El Monte, CA	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Carolina People'S Federal Credit Union	Goldsboro, NC	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Greater Valley Federal Credit Union	Fresno, CA	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jessop Community Federal Credit Union	Washington, PA	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Logan Medical Federal Credit Union	Logan, UT	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Medisys Employees Federal Credit Union	Jamaica, NY	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Norwalk Hospital Federal Credit Union	Norwalk, CT	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pagoda Federal Credit Union	Reading, PA	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Patriot Equity Federal Credit Union	Jackson, TN	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Questa Federal Credit Union	Questa, NM	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Rome Federal Credit Union	Rome, NY	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Schofield Federal Credit Union	Wahiawa, HI	$34M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sunflower Community Federal Credit Union	Marysville, KS	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tangipahoa Parish Teachers Federal Credit Union	Amite, LA	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Infirmary Federal Credit Union	Mobile, AL	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
U S P L K Employees Federal Credit Union	Leavenworth, KS	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Utility District Federal Credit Union	Oakland, CA	$34M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(out-of-network atm)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Gowanda Area Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1.38 among 8 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Gowanda Area Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Gowanda Area Federal Cred…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Gowanda Area Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $16K
vs prior quarter: +$1K+6.7%; from Q1 2026
vs a year earlier: +$1K+6.7%; from Q2 2025
vs start of range: −$1K−5.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Gowanda Area Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$16K	+$1K	+6.7%
Q1 2026	$15K	$0	0.0%
Q4 2025	$15K	−$1K	−6.3%
Q3 2025	$16K	+$1K	+6.7%
Q2 2025	$15K	+$1K	+7.1%
Q1 2025	$14K	−$2K	−12.5%
Q4 2024	$16K	−$1K	−5.9%
Q3 2024	$17K	+$1K	+6.3%

Fee-income share against its size cohort

Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Gowanda Area Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Gowanda Area Federal Credit Union: 4.3%
Percentile: 29th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Gowanda Area Federal Credit Union 4.3%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Gowanda Area Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

Amounts from Gowanda Area Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Dormant Account - no activity in last 90 days$15
Not compared: Quarterly charge, not monthly
per quarter
Reconciliation Fees - After Prior Month$25
Not compared: Monthly charge, not per item
per month
Reconciliation Fees - Current and Prior Month$10
Inside the U.S. middle 50% ($6.44 to $25 nationally)
Reconciliation fees: Researching account activity$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Non-sufficient Funds (ACH)$30
Inside the U.S. middle 50% ($25 to $32 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account - no activity in last 90 days	$15Not compared: Quarterly charge, not monthly	per quarter	None
Reconciliation Fees - After Prior Month	$25Not compared: Monthly charge, not per item	per month	None
Reconciliation Fees - Current and Prior Month	$10Inside the U.S. middle 50% ($6.44 to $25 nationally)	Not stated	None
Reconciliation fees: Researching account activity	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Non-sufficient Funds (ACH)	$30Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
ATM Debit replacement card	$15Above the U.S. middle 50% ($5 to $10 nationally)	per item	None
Check Services
Mailed Teller Check	$2Below the U.S. middle 50% ($3 to $6 nationally)	per item	None
Teller Check to 3rd Party	$4Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Stop Payments	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Foreign Item deposit	$10Inside the U.S. middle 50% ($10 to $26 nationally)	per item	None
Digital & Electronic
Telephone Transfers	$5Inside the U.S. middle 50% ($5 to $15 nationally)	per item	No signature required/no receipt mailed
Cash & Deposit
Return Item	$20Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
IRS Levy/Restraining Notices/Info Subpoena	$20Below the U.S. middle 50% ($30 to $85 nationally)	per item	None
Letter of Protest	$20Below the U.S. middle 50% ($50 to $150 nationally)	per item	Paid by requestor
Other Fees
Photocopies	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Duplicate Lien Release	$15Below the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None

Showing 5 of 16 fees.

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Gowanda Area Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

1 office in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Gowanda, NY

Largest competitors nearby

Local market: Cattaraugus county, NY, around its headquarters.

12 in its local market	Deposit share
Community Bank, National Association	54.1%
Five Star Bank	22.1%
Cattaraugus County Bank	12.5%
Manufacturers and Traders Trust Company	5%
KeyBank National Association	3.3%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Gowanda Area Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Gowanda Area Federal Credit Union does not publish an out-of-network ATM fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Gowanda Area Federal Credit Union changes in our data

Gowanda Area Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Gowanda Area Federal Credit Union does not publish an out-of-network ATM fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Gowanda Area Federal Credit Union changes in our data